Not sure what I’m adding here, but I used to feel this way about PayPal and Amazon too. PayPal lost my loyalty years ago, Amazon I now run all products through a review checker and don’t buy clothes from them anymore
Lots of banks have virtual cards now that you can generate for one time use or for subscription services with a dollar/expiration date limits. I highly recommend seeing if your bank has such a feature.
It analyzes product reviews to detect fake ones.